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Joined: Nov 2004
Posts: 7,108
Campfire Tracker
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Campfire Tracker
Joined: Nov 2004
Posts: 7,108 |
I own a disaster cleanup business. I recommend insurers that are in the smaller to medium size for most people. Farm bureau fits this. Its been a while since I have done a farm bureau claim, but I always remember them treating me right. The ones I have had trouble with lately. is Travelers, actually they suck and always have. State farm has been wonky lately. auto owners kinda sucks. Allstate and farmers usually have claims departments that at least get things done, although all the larger companies will have a narrower view of what is covered and what isn't than a smaller insurer. It might not ever make a difference but if the coverage is kinda a gray area, (more common than you think) The smaller companies usually find a way to insure it vs how to find a way not to, there is huge difference. I wouldn't feel bad about having farm bureau if the price was right. I also like american family
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Joined: Jan 2019
Posts: 3,404
Campfire Tracker
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Campfire Tracker
Joined: Jan 2019
Posts: 3,404 |
Got hailed on hard May 10 th called them they sent out 2 estimators 1 for my F-150 the other for the house. Had the checks inside of a week from the estimates. been with them for 21 years MB We had the same thing happen here last year, had the checks in less than 2 weeks.
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Joined: Nov 2008
Posts: 4,204
Campfire Tracker
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Campfire Tracker
Joined: Nov 2008
Posts: 4,204 |
Got hailed on hard May 10 th called them they sent out 2 estimators 1 for my F-150 the other for the house. Had the checks inside of a week from the estimates. been with them for 21 years MB We had the same thing happen here last year, had the checks in less than 2 weeks. Same here but the estimator cut me checks from the cab of his truck the day he came (State Farm).
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Joined: Jun 2005
Posts: 8,896
Campfire Outfitter
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Campfire Outfitter
Joined: Jun 2005
Posts: 8,896 |
We have been with them for over 12 years now. Solid service with quick action on claims. They are also strong politically here and will side with rural members on issues that could change rural life for the worst. They were instrumental some years back in getting legislation passed on formation of cities and towns that roped in rural properties that did not want to be incorporated. A lot of clout here....
One man with courage makes a majority....
~Molɔ̀ːn Labé Skýla~
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Joined: Jan 2002
Posts: 12,839
Campfire Outfitter
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Campfire Outfitter
Joined: Jan 2002
Posts: 12,839 |
No claims filed but my experience with farm bureau sucked royally. The agent was a lazy sack who let corporate run the account. I kept getting letters annually that they were dropping my home coverage because the escrow was screwed up (when it wasn’t, they had something wrong in their system). My agent couldn’t be bothered to get off the golf course to fix the problem. After threatening in no uncertain terms to pull my account if I got one more letter he made a few mouse clicks and the problem was fixed.
A couple years later I got a letter one day saying they were dropping me at the end of the month because I only had one line with them (house). No offer to quote me for the cars, trailer, etc. and no call from the agent explaining a shift in they way they do business. They did me a favor as I switched to State Farm. They have been great, including having claims filed for various things.
My parents had home, cars, farm, etc with Farm Bureau. Never filed a claim for over 20 years. Dad crunched a tailgating on a new dodge and filed his first claim in a quarter century. They jacked his rates up so much that thy recouped the cost of the tailgate threefold. Agent said it was corporate policy, nothing he could do. Good luck with the pricks if you go that way. I had a very similar experience. They actually dropped my coverage on a lease property, notified the additionally insured, but didn’t notify me. All kind of consequences on that one. Similar deal on a commercial truck. We set up the truck insurance, got the binder, and then they just never wrote the policy. They are on my “never” list.
Sic Semper Tyrannis
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Joined: Dec 2002
Posts: 12,321
Campfire Outfitter
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Campfire Outfitter
Joined: Dec 2002
Posts: 12,321 |
I had a little EF0 tornado come by the farm in 2008. There was next to no damage except a few missing shingles. Farm Bureau paid for a new roof.
No muss, no fuss.
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Joined: Nov 2002
Posts: 33,699
Campfire 'Bwana
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OP
Campfire 'Bwana
Joined: Nov 2002
Posts: 33,699 |
Conduct is the best proof of character.
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